Bright loans Affiliate Program

Why Promote This Offer

The Bright Loans affiliate program pays a CPA of $8 for every loan application successfully disbursed via LMS in India. With a fully digital application flow targeting salaried and self-employed borrowers across Tier 1 to Tier 3 cities, this program offers a strong disbursal-based payout for publishers with Indian personal finance and credit-intent traffic.

1. A $8 CPA on LMS loan disbursal is a strong payout in the Indian instant lending affiliate space, reflecting the quality of a fully verified, disbursed borrower and the LTV of a returning digital loan customer.
2. Bright Loans' focus on salaried and self-employed borrowers outside traditional bank eligibility criteria expands the addressable audience beyond prime credit segments, making it accessible to a wider range of Indian fintech publisher traffic.
3. India's persistent personal credit gap across Tier 2 and Tier 3 cities — where regulated instant lending options remain limited — creates a large and underserved acquisition opportunity for publishers reaching Indian adults in active financial need.
4. The LMS disbursal trigger ensures publisher commissions are tied to fully processed, verified loan completions, providing clean attribution and strong lead quality alignment between publisher and advertiser.

Who Should Promote This

Ideal Publisher Profile

Best suited for Indian personal finance blogs and loan comparison sites, credit score and eligibility tool platforms, YouTube financial planning channels targeting salaried Indian audiences, Telegram and WhatsApp groups sharing financial tips and loan offers, and media buyers running push or display campaigns geo-targeted to India with personal loan or credit intent.

Audience Match

Converts best with Indian salaried employees and self-employed individuals aged 22 to 48 who need quick access to personal credit and are looking for a regulated digital lender with fast disbursal, minimal paperwork, and eligibility criteria accessible beyond prime bank borrowers.

Traffic Rules

Allowed

• Organic Indian personal finance and instant loan comparison content
• EMI calculator, loan eligibility, and credit score tool placements
• Email marketing to opted-in Indian finance and employment audiences
• Native advertising on Indian finance, news, and lifestyle platforms
• Display and DSP campaigns geo-targeted to India with loan or credit intent
• Push notifications targeting Indian adults in a financial decision-making context

Not Allowed

• Incentivized or reward-based referrals
• Fraudulent or duplicate loan applications
• Brand keyword bidding on Bright Loans or Devaashish Capitals paid search terms
• Traffic from outside India
• Content targeting users under 21 or encouraging over-indebtedness
• Pop-up or pop-under traffic

Compliance Note

All promotions must comply with RBI digital lending guidelines and ASCI advertising standards. Do not make guaranteed approval claims or misrepresent loan interest rates, tenures, or eligibility criteria in any creative.

Tracking Flow

1. Publisher places their S2S Postback tracking link in Indian personal finance or loan content.
2. User clicks and is directed to the Bright Loans app on the Google Play Store.
3. User downloads, installs, and completes digital KYC with Aadhaar and PAN.
4. User submits a loan application through the app.
5. Loan is approved and disbursed to the user's bank account via the LMS.
6. S2S Postback fires the disbursal conversion event to the affiliate network.
7. After the 30-day validation window, $8 is credited per disbursed loan.

Tracking Window: 30 days  |  Attribution: Last-click  |  Tracking Method: S2S Postback  |  Deduplication: One CPA per unique new Indian user with a disbursed loan

Promotional Tips

• Emergency fund and salary-gap content targeting Indian salaried and self-employed users converts strongly for Bright Loans — frame the app as the fast, regulated option for borrowers who need credit quickly without visiting a bank branch.
• Loan comparison articles positioning Bright Loans' digital-first process and broad eligibility criteria against traditional NBFCs and bank loans are the strongest evergreen acquisition angle for this program in India.
• Push campaigns targeting Indian adults in Tier 2 and Tier 3 cities during peak loan demand windows — festival season, medical emergencies, and academic year-start — deliver strong disbursal volumes at scale.
• Credit score improvement and financial literacy content attracts high-intent borrowers who are already evaluating their loan options, converting to applications at above-average rates for this type of digital lending program.

Payment Methods

Publishers are paid through multiple flexible methods including Crypto, Wise, PayPal, Wire Transfer, and more. Payouts are processed on a Net-30 cycle once your earnings clear the minimum payout threshold. Contact your account manager if you need to set up or change your preferred payment method.